Ana Ramirez is a financial advisor at Cetera with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Cetera and Cetera Wealth Services since 2013. Ramirez is also the owner of Ana Ramirez Investments LLC, a financial services DBA, and is involved in fixed insurance sales focused on life and annuities. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services with multiple program structures and access to affiliated and third-party managers.

Ashley Orias Burkman is a financial advisor at Morgan Stanley with six years of industry experience. She has worked at Morgan Stanley since 2019 and previously spent five years at BMO Family Office, LLC. She holds a Series 66 designation. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements.

Jeremias Deo Villagran is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing six years of industry experience. His prior roles include positions at Franklin/Templeton Distributors, Inc. and The Home Depot. Outside of finance, he is the owner of DV Construction, LLC, a construction business focused on roofing job referrals. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities.

Jeffrey Daft is a financial advisor with Robert W. Baird & Co. in Roseville, CA, holding a Series 63 designation and bringing 49 years of industry experience. He has been with Robert W. Baird since 2009. Outside of his advisory role, he is a partner in Daft Partners, jointly managing a cabin at Lake Tahoe with his brother. He is part of the DDK Group within Robert W. Baird’s Private Wealth Management practice, which serves individuals, families, pension plans, corporations, and institutional clients. The group offers tailored financial planning and portfolio management services, including both discretionary and non-discretionary strategies, utilizing a combination of in-house and third-party managers.

Anthony Wilson is a financial advisor with Primerica Advisors in Sacramento, CA, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. He has been with Primerica Advisors since 1990 and has been associated with Primerica Financial Services since 1985. In addition to his advisory role, he is involved in the sale of loan products and home security and automation services through Primerica affiliates. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, corporate, and charitable clients. The firm employs model-delivery strategies managed by unaffiliated asset managers and offers discretionary portfolio management supported by custodial services from Pershing.

Haley Young is a financial advisor at Equitable Advisors with a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, she held roles at several organizations including Colorado State University and Cuesta College, and was involved with the Swedish American Patriotic League. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, charitable organizations, and other institutional clients. The firm utilizes a variety of advisory models and third-party asset managers to tailor investment solutions to client needs.

Luke Cummings is a financial advisor with LPL Financial, holding a Series 66 designation and 20 years of industry experience. He has been with LPL Financial since 2009. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Dustin Buck is a financial advisor with LPL Financial in Fair Oaks, CA, holding Series 63, 65, and 66 licenses and bringing 20 years of industry experience. He has been with LPL Financial since 2015 and operates Buck Wealth Management, Inc., an affiliated business entity. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning services, and both discretionary and non-discretionary management supported by models and research from various sources.

Demi To is a financial advisor at Fidelity with Series 66 and Series 63 credentials and four years of industry experience. Prior to joining Fidelity, Demi worked at Bank of America and Merrill. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, through a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages model portfolios using mutual funds, ETFs, and ETPs and serves as an advisor to multiple registered investment companies and fund-of-funds.

Nicholas Pulido is a financial advisor at Merrill with six years of industry experience. He holds the Series 66 and Series 63 credentials and has previously worked at JP Morgan Securities LLC and Bank of America, N.A. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers both model-based and discretionary investment strategies developed by internal and third-party managers.

Stephen Lee is a financial advisor at LPL Financial with 27 years of industry experience. He has held roles at Waddell & Reed, Inc. and various insurance carriers affiliated with W&R Insurance Agencies. Lee holds Series 63 and Series 65 licenses and is based in Sacramento, CA. He is also active as an insurance agent through multiple carriers. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, institutions, and charitable organizations through a national network. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing research from internal and third-party sources along with various portfolio management strategies.

Shane Holden is a financial advisor with Primerica Advisors in Rancho Cordova, CA, holding Series 63 and Series 65 credentials and 28 years of industry experience. He has been with Primerica Advisors since 1998 and also has a long-term association with Primerica Financial Services beginning in 1996. Outside of advisory work, he is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-based strategies managed by unaffiliated asset managers and operates with approximately 3,698 advisors and $15.5 billion in assets under management.

Colin Scott is a financial advisor at Edward Jones based in Sacramento, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, he worked in various roles across multiple companies including Orkin Commercial, Rhombus, and FlexCare Medical Staffing. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets through a large nationwide network of advisors and branch offices.

Yiqing Sobon is a CFP®-designated financial advisor at Edward Jones with seven years of industry experience. Prior to joining Edward Jones in 2019, Sobon worked at Morgan Stanley and the U.S. Small Business Administration and was involved with the Sobon Wine Company, a family business in Plymouth, CA. Edward Jones is a full-service wealth management firm serving individual and institutional clients, managing approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, and operates under a fiduciary standard.

Scott Motley is a Senior Financial Advisor with Merrill Lynch Wealth Management. Based in Northern California, he serves clients throughout the United States, focusing on planning and wealth management tailored to client priorities. He aims to deliver transparent communication and simplify complex financial topics while maintaining a disciplined and thoughtful approach to value investing. Scott has over 20 years of experience in financial advisory services, assisting professionals, educators, healthcare professionals, retirees, women, and families with special needs. His areas of focus include college education planning, divorce transition planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, women and wealth, tax minimization, and retirement income. He holds a Bachelor's Degree in Finance with an emphasis in Investments and Financial Services from the University of Nevada, Las Vegas. Scott has earned the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Additionally, he is an Eagle Scout recognized by the Boy Scouts of America.

Francois Marcus is a financial advisor at OSAIC with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Woodbury Financial Services and Questar Asset Management. Outside of his advisory roles, he is involved in resale activities through online sales. OSAIC serves a diverse client base including individual and institutional investors, offering integrated brokerage and advisory services through a large network of affiliated advisors. The firm employs a variety of portfolio construction tools and supports both discretionary and non-discretionary account management.

Jeffrey White is a financial advisor with Fidelity in Granite Bay, CA, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. His prior work includes roles at Valic Financial Advisors, Allstate Insurance Company, Princor Financial Services Corporation, and Principal Life Insurance Company. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, including funds of funds and model portfolios delivered to intermediary platforms.

Michelle Fruit is a financial advisor at Edward Jones with 15 years of industry experience. She holds Series 65 and Series 63 licenses and has been with Edward Jones since 2015. Outside of her advisory role, she is involved with J.M. Fruit, Inc., a consulting business where she serves as owner and handles bookkeeping and accounting tasks. Edward Jones is a full-service wealth management firm serving a wide range of clients, including individual and institutional investors. The firm offers advisory programs with discretionary and non-discretionary strategies, access to separately managed accounts, and affiliated mutual funds, supported by a large national network of advisors and branch offices.

James Arnold is a Planning Consultant specializing in retirement planning. He emphasizes a client-focused approach, prioritizing listening to understand clients' goals and concerns to provide educational and reassuring guidance. James maintains a calm, empathetic, and transparent manner in his professional relationships and is committed to placing clients' interests first. Prior to his current role, James worked at Fidelity Investments as a Financial Representative from 2024 to 2025 and as a Relationship Manager from 2025 to 2026. He holds a California Insurance License.

Kevin Mounkes is a CFP® with 21 years of industry experience. He is currently with Wells Fargo Advisors and has previously worked within various Wells Fargo entities since 2012. Outside of his advisory role, he owns and operates a tax lien and tax deed real estate auction business. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and financial planning services to individuals, trusts, and institutions. The firm provides a broad range of planning services tailored to clients who meet certain net-worth criteria, utilizing proprietary research and tools to develop personalized recommendations.